Trade Advance - Manager (TW Loan)

Role Purpose

Own and drive the end-to-end Trade Advance product for the two-wheeler dealer ecosystem, including product strategy, program management, technology enablement, sales growth, portfolio performance, and profitability.

Key Responsibilities

Product Management

• Own the Trade Advance product roadmap, policies, pricing, and dealer propositions.
• Design and launch dealer funding, inventory financing, and working capital programs.
• Continuously enhance product features, dealer journeys, and operational processes.

Program Management

• Develop and manage OEM and dealer financing programs.
• Track program utilization, profitability, and portfolio performance.
• Coordinate with Credit, Risk, Operations, and Technology teams for successful implementation.

Technology & Digital Enablement

• Act as business owner for LOS, LMS, dealer portal, and digital onboarding enhancements.
• Drive automation, API integrations, workflow digitization, and STP initiatives.
• Prepare business requirements, user stories, and UAT sign-offs for product releases.

Sales Drive & Business Growth

• Partner with sales teams to drive dealer acquisition, activation, and limit utilization.
• Execute sales campaigns and dealer engagement programs to accelerate portfolio growth.
• Track funnel metrics, disbursements, utilization, and business productivity.
• Support regional teams through product training, program communication, and market insights.

Portfolio & Risk Management

• Monitor portfolio growth, profitability, utilization, and asset quality.
• Recommend policy and program changes based on portfolio performance.
• Ensure adherence to risk, compliance, and governance standards.

Analytics & Stakeholder Management

• Develop MIS and dashboards to track key business KPIs.
• Work closely with Sales, Credit, Risk, Technology, Operations, Finance, and OEM partners.
• Present portfolio performance and strategic initiatives to senior management.

Key KPIs

• Trade Advance AUM Growth
• Disbursements
• Active Dealers
• Dealer Activation Rate
• Limit Utilization %
• Revenue & Profitability
• OEM Program Penetration
• STP %
• TAT Reduction
• Portfolio Quality & Delinquency

Experience & Qualification

• MBA/PGDM preferred.
• 3–5 years of experience in Dealer Finance, Trade Finance, Vehicle Finance, or Lending Products.
• Strong experience in Product Management, Program Management, and Sales Enablement.
• Good understanding of lending technology platforms, dealer ecosystems, and portfolio analytics.

Key Skills

• Trade Advance & Dealer Finance
• Product Management
• Program Management
• Sales Growth & Portfolio Expansion
• Digital Lending & Automation
• Analytics & MIS
• Stakeholder Management
• Credit & Risk Understanding